ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is JSC Bank for Investment & Development of Vietnam ?
1
Positive results in Dec 25
- ROCE(HY) Highest at 0.98%
- NII(Q) Highest at VND 19,246,760 MM
- CASH AND EQV(HY) Highest at VND 195,532,015 MM
2
With ROA of 0.59%, it has a expensive valuation with a 1.74 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 19.19%, its profits have risen by 17% ; the PEG ratio of the company is 0.7
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to JSC Bank for Investment & Development of Vietnam should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is JSC Bank for Investment & Development of Vietnam for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
JSC Bank for Investment & Development of Vietnam
19.19%
0.74
32.29%
Vietnam VN Ho Chi Minh Index
43.59%
1.93
22.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.50%
EBIT Growth (5y)
24.88%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
14.05%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.74
EV to EBIT
29.18
EV to EBITDA
27.96
EV to Capital Employed
1.15
EV to Sales
6.38
PEG Ratio
0.73
Dividend Yield
1.14%
ROCE (Latest)
3.95%
ROE (Latest)
14.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
ROCE(HY)
Highest at 0.98%
NII(Q)
Highest at VND 19,246,760 MM
CASH AND EQV(HY)
Highest at VND 195,532,015 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 127.31%
NET SALES(Q)
Highest at VND 43,796,484 MM
OPERATING PROFIT(Q)
Highest at VND 12,561,726 MM
OPERATING PROFIT MARGIN(Q)
Highest at 28.68 %
PRE-TAX PROFIT(Q)
Highest at VND 14,230,489 MM
NET PROFIT(Q)
Highest at VND 11,408,624 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 0.98%
EPS(Q)
Lowest at VND 0
Here's what is working for JSC Bank for Investment & Development of Vietnam
NII
Highest at VND 19,246,760 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
Highest at VND 43,796,484 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Net Sales
At VND 43,796,484 MM has Grown at 18.57%
over average net sales of the previous four periods of VND 36,937,667.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 12,561,726 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Operating Profit Margin
Highest at 28.68 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at VND 14,230,489 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Pre-Tax Profit
At VND 14,230,489 MM has Grown at 72.66%
over average net sales of the previous four periods of VND 8,241,982.5 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 11,408,624 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Net Profit
At VND 11,408,624 MM has Grown at 76.35%
over average net sales of the previous four periods of VND 6,469,363 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Cash and Eqv
Highest at VND 195,532,015 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 127.31%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for JSC Bank for Investment & Development of Vietnam
EPS
Lowest at VND 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (VND)
Non Operating Income
Highest at VND 0.05 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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